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489 Saint Andrews Rd, Beech Mountain (Banner Elk), NC 28604 Property Records

Watauga County property record for 489 Saint Andrews Rd, Beech Mountain, NC 28604

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,590 sqft · built 1986
Lot Size0.35 acres (15,246 sqft)
Owner2 Individual Names on Record
Last Sale$289,000 (Oct 2020)
Tax Bill$1,385 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1941-81-0712-000

Property Details

APN / Parcel Number

Primary APN1941-81-0712-000
Alternative APN
  • 1816552

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms8 Rooms
Stories2 Stories
Building Area1,590 sqft Living Area
1st Floor Area720 sqft
Basement Area720 sqft
Finished Basement720 sqft
Unfinished Basement720 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleConventional
Exterior MaterialWood
Construction TypeFrame
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area15,246 sqft (0.35 acres)
PorchPorch
Porch Area238 sqft
Patio Area440 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric
Water SourceCommercial

Location & Zoning

Account Number1816552
Street Address489 SAINT ANDREWS RD
CityBEECH MOUNTAIN
StateNC
Zip28604-8216
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBMR2
Legal DescriptionGGGC-L 030
Legal SubdivisionGRASSY GAP GOLF COURSE
JurisdictionWATAUGA NC
Township / Civil DivisionLAUREL CREEK
Census Block Group1
Census Block1023
Census Tract921000

Owner

Source: Watauga County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address1880 NE 208TH TER, MIAMI, FL 33179-2263
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 8, 2020 · Amount on Record
Deed SaleOct 8, 2020 · Amount on Record
Deed Document Number2020696383
Deed Book / Page2130 / 552
Prior Transfer DateFeb 20, 2019
Prior Transfer Doc0020160063
Record UpdatedOct 29, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWATAUGA NC
Recording DateOct 8, 2020
Property Address489 SAINT ANDREWS RD, BEECH MOUNTAIN, NC 28604-8216
Document Number0021300552
Book / Page2130 / 552
Map ReferenceMB 4 PG 228
Instrument DateSep 20, 2020
Instrument696383
Transaction TypeTransfer
Record UpdatedSep 21, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$578.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1880 NE 208TH TER, MIAMI, FL 33179-2263

Mortgage

Document Number696384
DateOct 8, 2020
Instrument696384
Lender
NameOAS STAFF FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 1, 2035

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
MunicipalityBeech Mountain Town
CountyWatauga County
Unified School DistrictWatauga County Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$399,400 (-) Land $39,900 Building $359,500
2025$1,385.00 (-65.1%)$399,400 (-) Land $39,900 Building $359,500
2024$3,969.00$399,400 Land $39,900 Building $359,500
2023$399,400 Land $39,900 Building $359,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 17, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims5 (2011–2020)
Claims Outside the SFHA5 of 5
Most Recent ClaimFeb 2020

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOWN OF BEECH MOUNTAIN
serves 2,468 people · EPA ID NC0195104
Water SourceSurface water
Last State InspectionSep 2025
Lead5 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Skyline Telephone
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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